CM-Hospitaalplan and CM-Hospitaalplan Plus in detail
CM-Hospitaalplan and CM-Hospitaalplan Plus are both cost-covering hospitalisation insurances that provide reimbursement for the costs of your (day) admission, pre- and post-admission care and medically necessary costs without admission in the case of certain serious illnesses. CM-Hospitaalplan Plus gives you an even more generous reimbursement than CM-Hospitaalplan.
I am not yet affiliated with CM-Hospitaalplan or CM-Hospitaalplan Plus
The biggest advantages of the hospitalisation insurance of CM are the premiums that start from 4.37 euros per month for CM-Hospitaalplan and from 5.55 euros per month for CM-Hospitaalplan Plus, the waiting period of only 3 months, the very favourable conditions for joining for newborns and the simple and fast application for reimbursements. Moreover, everyone is really welcome!
What is insured under CM-Hospitaalplan and CM-Hospitaalplan Plus?
- CM-Hospitaalplan reimburses medically necessary costs in the period from 1 month before the start of your admission to 3 months after the end of your admission . This is on condition that your admission also entitles you to a refund. For admissions from 1 January 2025, this period will be extended to 2 months before to 4 months after your admission .
Even better insured? CM-Hospitaalplan Plus reimburses these costs in the period from 2 months before to 6 months after your admission. - The outpatient costs for serious illness guarantee applies to medical costs that are directly related to a serious illness of which the diagnosis has been confirmed and which is included in the general terms and conditions of CM-Hospitaalplan and CM-Hospitaalplan Plus.
- Furthermore, CM-Hospitaalplan and CM-Hospitaalplan Plus contain a number of special guarantees that provide reimbursement for a number of specific costs: rooming-in (for admissions from 2025 including meals), donors, fertility treatments, home births, hospitalisations in a psychiatric hospital, pre-existing conditions, breast reductions, obesity, preventive mastectomies, dental care and removal of wisdom teeth.
- Fees for services that may legally be charged but for which no reimbursement is provided by the statutory health insurance will be reimbursed up to 200 euros per admission if they do not fall under the general exclusions of the insurance.
What are the reimbursement limitations of these insurances?
- CM Hospital Plan reimburses room supplements for a stay in a single room up to a maximum of 55 euros per day . For admissions from 1 January 2025, you will be reimbursed for room supplements up to 65 euros per day .
Even better insured? CM-Hospitaalplan Plus reimburses the room supplements for a stay in a single room up to a maximum of 95 euros per day . - Additional fees - to the extent that they may be charged by law - are reimbursed by CM Hospital Plan up to a maximum of 100% of the rate as set by the RIZIV. For admissions from 1 January 2025, you will be reimbursed up to 150% of the official rate for additional fees. The portion of additional fees charged above this percentage is at the expense of the insured.
Even better insured? CM-Hospitaalplan Plus reimburses the additional fees up to a maximum of 200% of the rate as set by the RIZIV. - During the first three years of affiliation, hospitalisations due to a pre-existing condition or illness are reimbursed as follows:
- if you choose a shared room or double room: reimbursement according to the 'hospital admission' and 'pre- and aftercare' guarantee
- if you choose a single room: reimbursement according to the 'hospital admission' and 'pre- and aftercare' guarantee, but without reimbursement for fees and room supplements.
- Are you already pregnant when you join CM-Hospitaalplan or CM-Hospitaalplan Plus? If you choose a single room, you will not receive a refund of the fees and room supplements.
- The right to reimbursement commences after a general waiting period of three months, calculated from the date of affiliation. Are you switching from a similar hospitalisation insurance? Then the waiting period is reduced by the period that you were continuously affiliated with that insurance immediately prior to the switch.
- A deductible is only applied to the reimbursement of fee supplements for single room stays. A deductible is the part of the costs that CM-verzekeringen does not cover but that you have to pay out of your own pocket.
- For day admissions, this deductible amounts to 175 euros per admission with CM-Hospitaalplan and CM-Hospitaalplan Plus.
- For classic hospitalisation with overnight stay, this deductible amounts to 100 euros per hospitalisation with CM Hospital Plan. With CM Hospital Plan Plus, no deductible is applied if the charged additional fees are less than 150% of the fixed rate. If the charged additional fees are higher than 150% of the fixed rate, the deductible for classic hospitalisations amounts to 100 euros per hospitalisation.
- These deductibles are applicable per hospitalisation with a maximum of 350 euros per calendar year.
- The deductibles do not apply to hospitalisations due to childbirth.
Am I insured abroad?
Yes. There are two conditions:
- CM Hospital Plan and CM Hospital Plan Plus only reimburse costs for which there is a right to reimbursement from the compulsory insurance for medical care and benefits. The maximum reimbursement for all costs incurred outside Belgian territory is 1,000 euros per calendar year and per insured person.
- Planned hospitalisations outside Belgian territory for which permission has not been given by the health insurance fund's advisory physician will not be reimbursed.
What are my obligations?
- As an insured person, you must be and remain affiliated with CM Flanders for the services and benefits offered and be in order with the CM contribution payment.
- You must sign the required insurance documents and pay the insurance premium.
- If you wish to join the insurance, you must not only join yourself, but also all persons who are dependent on you for statutory health insurance.
- If you wish to report a claim, you must submit all relevant documents regarding the claim to the insurer as described in the general terms and conditions.
How do I pay my insurance premium?
The premium can be paid by transfer per year or by direct debit. With direct debit you can choose between: annually, quarterly or monthly. The dates for the direct debit are predetermined and always fall before the start of the insured period.
When does the insurance start and end?
The agreement is concluded when the policyholder signs the insurance application and makes the first premium payment. The insurance starts on the starting date and is valid for life, except in the event of cancellation by the policyholder, non-payment of the premium and in the event of fraud.
How do I cancel my insurance contract?
This can be done by registered letter, by personally delivering the letter of termination with a receipt or via a bailiff.
Do you have another question about CM Hospital Plan or CM Hospital Plan Plus?
Please review the FAQ page. If your question is not there, please contact CM .
I have multiple sclerosis and therefore a lot of medical expenses. Thanks to CM-Hospitaalplan I get most of the costs of my illness reimbursed. That makes a big difference for me at the end of the month.
Alina, 46
I am affiliated with CM-Hospitaalplan or CM-Hospitaalplan Plus
Are you already affiliated with CM-Hospitaalplan or CM-Hospitaalplan Plus and do you want to request a refund? This can be done very quickly and easily.
I am admitted to the hospital
Before your hospital admission
How can I avoid high hospital bills during a planned hospital stay?
Choose a single room or a shared room for a price-conscious price.
Financial information about the different room types can be found on the admission statement. You will receive this at the latest upon your admission, but you can also request it in advance. Are you affiliated with CM-Hospitaalplan or CM-Hospitaalplan Plus? In that case, the conditions already present at the time of affiliation will be taken into account for the first three years. For these conditions, no room and fee supplements will be reimbursed for a single room. For a double or multiple-person room, fee supplements may never be charged.
Ask your doctor for an estimate of the cost of the surgery.
The cost of medical supplies (implants or sutures) can be high. Ask the doctor if he charges additional fees.
Compare hospital rates and adjust your hospital choice if possible.
You can compare rates with the CM application compare hospital rates .
Ask about the rates of various costs.
These may include costs for the use of television, telephone, internet or meals for the accompanying partner or parent.
Be sure to bring this with you if you are admitted to hospital:
- your eID or for children under 12: the kids-ID or isi+ card
- some yellow stickers
- your GP's contact details
- a list of the medications you are taking
- any medical documents. Discuss this with your doctor
- if applicable: the contact details of the services or care providers who will help you with your care at home afterwards
If you have an accident and you have private insurance, make sure you have the name of the insurance company and the number of your insurance policy at hand.
If you have an accident and are insured via CM-Hospitaalplan or CM-Hospitaalplan Plus , you do not need to do anything except submit your hospital bill as soon as you receive it.
Please note that CM-Hospitaalplan also provides reimbursement for medical costs of examinations directly related to your hospital admission, starting 1 month before and up to 3 months after your admission. For admissions from 1 January 2025, this period will be extended to 2 months before and up to 4 months after your admission. Please note: this does not apply to all day admissions.
Even better insured? CM-Hospitaalplan Plus reimburses these costs in the period from 2 months before to 6 months after your admission.
- Which costs are reimbursed? All excess and reimbursable supplements such as GP visits, medicines, preparatory appointments at the hospital or specialist's practice, laboratory costs, etc. are automatically reimbursed. You do not need to take any action yourself.
- For admissions from 2025 onwards, rental costs for medically necessary equipment loaned from Goed and related to the admission will also be automatically reimbursed.
- For invoices for urgent patient transport (112 transport) the reimbursement is not automatic. Always provide CM with proof of these costs, together with this completed form.
During your hospital stay
Please have the following documents prepared before you leave the hospital:
Certificate of absence
For your employer, union or school.
Declaration of disability
If you become incapacitated for work, you must notify the CM medical advisor in a timely and correct manner. If you do not do this, you will lose part of your benefit. How to arrange your incapacity for work, you can read here .
After your hospital stay
Only after receiving your hospital bill can you prepare your hospitalisation declaration.
Please note that CM-Hospitaalplan also provides reimbursement for medical costs of examinations directly related to your hospital admission, starting 1 month before and up to 3 months after your admission. For admissions from 1 January 2025, this period will be extended to 2 months before and up to 4 months after your admission. Please note: this does not apply to all day admissions.
Even better insured? CM-Hospitaalplan Plus reimburses these costs in the period from 2 months before to 6 months after your admission.
All excess and reimbursable supplements such as GP visits, medicines, follow-up appointments at the hospital or specialist's practice, laboratory costs, etc. are automatically reimbursed. You do not need to take any action yourself. You must of course still submit doctor's certificates via the CM letterbox.
CM Insurance automatically processes all these related costs at the following times:
- 4 months after your discharge from the hospital
- 7 months after your discharge from hospital
- 10 months after your discharge from hospital (for admissions from 1 January 2025)
For the following costs, the refund is not automatic. Always provide CM with proof of these costs, together with this completed form :
- invoices for urgent patient transport (112 transport)
- invoices from the recognized rehabilitation centers Ter Duinen in Nieuwpoort, Hooidonk in Zandhoven and Domaine de Nivezé in Spa
- remaining medical costs after reimbursement by another hospital insurance.
Report your hospitalization
Have you received your hospital bill? Take them in hand and start with the declaration. You do not need a scanner or camera for this , the declaration is done based on the invoice number.
Below you will find a video that shows you step by step how it works. After the declaration you will receive a payment overview and the refund on your account number.
Are you unable to submit your declaration digitally? Then print the declaration form , fill it in and submit it signed together with your hospital invoice by e-mail or via a CM mailbox.
For the costs below, the refund will not be automatic. Always provide CM with proof of these costs, together with this completed form .
- invoices for urgent patient transport (112 transport)
- invoices from the recognized rehabilitation centers Ter Duinen in Nieuwpoort, Hooidonk in Zandhoven and Domaine de Nivezé in Spa
- remaining medical costs after reimbursement by another hospital insurance
I have a serious illness
For which serious illnesses is there a refund?
CM Hospital Plan and CM Hospital Plan Plus provide reimbursements for the treatment of, among other things:
- malignant tumors (e.g. cancer)
- malignant blood diseases (e.g. leukemia, Hodgkin's disease)
- neuromuscular diseases such as MS (multiple sclerosis) and ALS (amyotrophic lateral sclerosis)
- MS (multiple sclerosis)
- parkinson's disease
- meningitis
- AIDS
- cirrhosis of the liver due to hepatitis
- diabetes type 1
- kidney disease requiring kidney dialysis
- cystic fibrosis
- systemic sclerosis with organ involvement
- Crohn's disease and ulcerative colitis
Which costs are eligible for reimbursement?
In addition to your admission, the costs for medically necessary care listed below will also be reimbursed if they are directly related to the serious illness.
Co-payment for medical care and treatment
This will be fully reimbursed.
Fee supplements
These are reimbursed up to 100% of the fixed rate by the INAMI.
Prosthetics and orthopedic devices
The first prosthesis or orthopedic device will be reimbursed.
Medicines, implants, synthesis materials, plaster materials, stoma and incontinence materials
This will be fully reimbursed if the statutory health insurance also provides for reimbursement.
Rental of medically necessary equipment
This will be fully reimbursed.
Non-urgent patient transport (series transport)
CM Hospital Plan reimburses the personal contribution for non-urgent patient transport requested from the Mutas service in the context of oncological treatment or kidney dialysis up to a maximum of 250 euros per calendar year.
Even better insured? CM-Hospitaalplan Plus provides a reimbursement of up to 300 euros per calendar year.
Report your serious illness
Please provide the following documents to CM by email or via a CM mailbox
- this form signed by yourself and your GP/specialist
- a recent medical report from your specialist, your GP can retrieve this from your medical file
If necessary, you will have to apply for an extension of this recognition after some time. CM will provide you with the appropriate form in due time.
You will receive your refund
Once your application is approved, you will automatically receive reimbursement for medical expenses directly related to your condition. These may include GP visits, medications, follow-up appointments at the hospital or specialist’s office, lab costs and more.
You must enter these costs manually
Not all costs can be processed automatically. You must provide an invoice for these costs incurred:
• Invoices from recognized healing centers Ter Duinen in Nieuwpoort, Hooidonk in Zandhoven and Domaine de Nivezé in Spa
• Invoices for the rental of medical equipment
• Invoices for urgent patient transport (112)
You must submit these invoices together with this form by email or via a CM mailbox .
Do you have another question about CM Hospital Plan or CM Hospital Plan Plus?
Please review our FAQ page. If your question is not there, please contact us.
CM-MediKo Plan
CM-MediKo Plan is an insurance for medical expenses that have nothing to do with hospitalization. This can range from braces, a maternity allowance to treatments by a physiotherapist.
- Up to 75% of the deductible of (dentists), specialists, physiotherapists and other healthcare providers reimbursed
- Up to 1,800 euros reimbursement for dental care
- Up to 120 euros reimbursement for glasses and lenses
CM-Hospitalfix Extra
With CM-Hospitaalfix Extra you get an extra compensation of 25 euros per day that you are in the hospital or admitted. The waiting time is only 3 months and we also keep the monthly premium as low as possible.
- Additional hospitalisation insurance
- CM arranges everything directly, you do not have to submit invoices
- Fixed fee per day in the hospital: 25 euros